High-priced car insurance in Birmingham can bleed your family's budget and make it tough to pay other bills. Shopping your coverage around is a smart way to tighten up your finances.
It's shocking but the vast majority of consumers have remained with the same car insurance company for well over three years, and practically 40% of car insurance customers have never compared rates from other carriers. Consumers in Birmingham could save as much as $490 each year just by comparing rates, but they don't invest the time required to save money by comparing rate quotes. Many car insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the best price available on Ford Focus insurance in Birmingham.
Smart consumers take time to compare prices before your next renewal because rates fluctuate regularly. Just because you found the lowest premium rates on Ford Focus insurance in Birmingham six months ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you're about to learn the tricks you need to know to find lower rates on car insurance.
If you already have coverage or just want to save money, follow these tips to cut your premiums without reducing protection. Locating the best rates in Birmingham is really quite simple as long as you have a good starting point. Smart shoppers just need to use the fastest way to compare insurance rates on the web.
Affordable auto insurance in Birmingham, AL
The companies in the list below have been selected to offer price comparisons in Birmingham, AL. If multiple providers are shown, we suggest you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$108||$230||$318||$18||$94||$768||$64|
|Focus SE 4-Dr Sedan||$134||$312||$438||$26||$132||$1,042||$87|
|Focus SEL 4-Dr Sedan||$246||$606||$344||$20||$102||$1,318||$110|
|Focus SES 4-Dr Sedan||$280||$760||$456||$26||$136||$1,658||$138|
|Focus SE 2-Dr Coupe||$282||$606||$388||$24||$116||$1,416||$118|
|Focus SES 2-Dr Coupe||$224||$512||$358||$22||$108||$1,224||$102|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate information does not factor in specific location which can change prices greatly.
Full coverage or liability only
The chart below shows the comparison of Ford Focus auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no violations or accidents, $250 deductibles, married male driver, and no discounts are factored in.
When to drop comp and collision
There is no clear-cut rule to delete comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let's assume your Ford Focus settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $7,000 after the policy deductible has been paid. If premium cost is more than $700 a year for physical damage coverage, then you might consider buying liability only.
There are some cases where eliminating full coverage is not advised. If you haven't satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.
How careless driving impacts car insurance rates
The diagram below illustrates how violations and at-fault accidents impact Ford Focus insurance rates for different age groups. Data assumes a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
These five discounts can slash Ford Focus insurance rates
Insurance is easily one of your largest bills, but you may qualify for discounts that you may not know about. Certain credits will be shown when you quote, but a few need to be manually applied in order for you to get them. If you aren't receiving every discount available, you're just leaving money on the table.
- No Claims - Insureds who avoid accidents and claims can earn big discounts as compared to frequent claim filers.
- Student Discount for Driver Training - Have your child complete a driver education course if it's offered in school.
- ABS and Traction Control Discounts - Cars equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
- Save with More Vehicles Insured - Buying coverage for several vehicles with one company qualifies for this discount.
- Online Discount - A handful of larger companies will give a small break for buying a policy and signing up on their website.
One thing to note about discounts is that many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you could get a free insurance policy, you won't be that lucky.
The best insurance companies and some of their more popular discounts can be read below.
- Farmers Insurance includes discounts for good student, youthful driver, business and professional, distant student, homeowner, and bundle discounts.
- Esurance may include discounts for paid-in-full, Switch & Save, good student, anti-theft, and anti-lock brakes.
- State Farm has savings for accident-free, anti-theft, student away at school, good student, defensive driving training, and driver's education.
- GEICO has discounts for military active duty, federal employee, good student, driver training, five-year accident-free, daytime running lights, and membership and employees.
- Allstate may offer discounts for premier plus, auto/life discount, FullPay discount, senior citizen, defensive driver, good payer, and economy car.
Check with each insurance company to give you their best rates. All car insurance discounts might not be offered on policies in every state. To choose insurance companies that offer some of these discounts in Birmingham, follow this link.
What if I want to buy from local Birmingham auto insurance agents?
Some people still like to sit down and talk to an agent and that is not a bad decision Good insurance agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of comparing insurance online is the fact that drivers can get lower car insurance rates and still buy from a local agent. And supporting local agents is still important in Birmingham.
To make it easy to find an agent, after completing this simple form, your coverage information is sent to local insurance agents that can provide free Birmingham auto insurance quotes for your insurance coverage. There is no need to leave your house due to the fact that quote results will go to you directly. If you want to compare rates from a specific insurance provider, feel free to jump over to their website and fill out their quote form.
When narrowing the list to find a good insurance agency, it's helpful to know the different types of agencies and how they are distinctly different. Insurance agents are categorized either independent agents or exclusive agents depending on their employer. Either can insure your vehicles properly, but it's worth learning the difference between them since it can impact the type of agent you choose.
Independent Insurance Agents (or Brokers)
Agents in the independent channel often have many company appointments and that allows them to write policies with many different companies and get the cheapest rates. To move your coverage to a new company, your policy is moved internally and you stay with the same agent.
If you need lower rates, you definitely need to get quotes from several independent agencies for maximum quote selection.
The following is a partial list of independent insurance agents in Birmingham that can possibly get you pricing information.
Agents that elect to be exclusive can only quote rates from one company and examples are Farmers Insurance, State Farm, or Allstate. These agents are not able to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents receive extensive training on their company's products which helps overcome the inability to quote other rates.
Listed below are Birmingham exclusive agencies who can help you get price quotes.
Theo Hawthorne - State Farm Insurance Agent
2430 Green Springs Hwy Ste - Birmingham, AL 35209 - (205) 941-3232 - View Map
Don Roberts - State Farm Insurance Agent
2102 Cahaba Rd e - Birmingham, AL 35223 - (205) 879-8887 - View Map
Picking an insurance agency needs to be determined by more than just the quoted price. Before buying a policy in Birmingham, get answers to these questions.
- Do they offer rental car reimbursement?
- Is the agent CPCU or CIC certified?
- Do they carry Errors and Omissions coverage?
- Does the agent recommend any additional coverage?
- Will they make sure you get an adequate claim settlement?
- Will you work with the agent or an assistant?
- What discounts might you be missing?
Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.
Auto collision coverage
Collision coverage pays for damage to your Focus resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as scraping a guard rail, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible on your Focus to save money on collision insurance.
Coverage for liability
This coverage will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn't cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability can pay for claims like pain and suffering, legal defense fees, medical expenses and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford. Alabama requires minimum liability limits of 25/50/25 but you should consider buying more coverage.
Uninsured and underinsured coverage
This provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Ford Focus.
Due to the fact that many Alabama drivers only purchase the least amount of liability that is required (which is 25/50/25), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liability limits.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, dental work, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
The best insurance company isn't always the cheapest
While you're price shopping online, it's not a good idea to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.
Lower-priced Ford Focus insurance in Birmingham is available online and with local Birmingham insurance agents, so you need to quote Birmingham auto insurance with both in order to have the best chance of saving money. Some insurance companies may not offer rate quotes online and usually these regional carriers only sell coverage through independent insurance agents.
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